Those are the big ones – but nearly any organization that uses technology to do business faces cyber risk.

That’s why there’s something called cyber liability insurance, and it’s not just for major retailers anymore – it’s also for small mom-and-pop businesses.

“If you’re a doctor’s office and you have 20,000 records and 10,000 of those records get breached, on the low side $100 a record, that’s a million bucks,” said Mike Levin of The Dowd Insurance Agencies of Holyoke. “If you don’t have insurance, you’re out of business.”

Levin says after a cyber-breach, it’s not just the lawsuits that business owners can be on the hook for -it’s also the investigation to figure out what happened, paying for credit monitoring for the victims, and even government fines.

Cyber liability insurance has been around for about a decade, but it’s only now starting to catch on as more and more businesses are targeted.